Public Adjuster Archives

The Role of a Public Adjuster vs. an Insurance Company Adjuster

A H Neaman on March 19, 2025

When disaster strikes—whether it’s fire damage, water damage, or another loss—filing an insurance claim can feel overwhelming. Many homeowners and business owners assume that their insurance company will fairly assess their damages and provide the compensation they need to recover. However, what many don’t realize is that the insurance company’s adjuster works for the insurer, not for you. This is where a public adjuster comes in.

At A H Neaman Company, we specialize in helping policyholders in Pennsylvania (PA), West Virginia (WV), and Maryland (MD) navigate the claims process, ensuring they receive the maximum payout they’re entitled to. In this post, we’ll break down the key differences between a public adjuster and an insurance company adjuster, so you can make an informed decision about protecting your financial interests.

What is an Insurance Company Adjuster?

An insurance company adjuster, also known as a staff adjuster or independent adjuster, is hired by the insurance company to evaluate property damage claims. Their primary role is to assess the damage and determine how much the insurance company should pay for the loss.

Who Do They Work For?

Insurance company adjusters work for the insurance company, not the policyholder. Their job is to protect the financial interests of the insurance provider by:

Investigating claims to determine coverage
Assessing the extent of property damage
Calculating repair costs based on the insurer’s guidelines
Looking for ways to minimize claim payouts

Potential Issues with Insurance Company Adjusters

While insurance company adjusters are supposed to be fair, they often have conflicting interests. Since they are employed by the insurance provider, they may be motivated to:

Undervalue damages to save the company money
Deny certain claim elements based on policy exclusions
Rush assessments, leading to overlooked damages
Offer quick settlements that may not fully cover your loss

This is why many policyholders in PA, WV, and MD turn to a public adjuster for help—someone who will advocate for their best interests.

What is a Public Adjuster?

A public adjuster is an independent professional hired by the policyholder (you) to handle the insurance claim on your behalf. Unlike insurance company adjusters, a public adjuster works only for you to ensure that you receive the highest possible settlement for your loss.

What Does a Public Adjuster Do?

A public adjuster provides comprehensive assistance, including:

✅ Assessing your damages—conducting a thorough evaluation of your property loss
✅ Documenting losses—taking photos, creating detailed reports, and compiling evidence
✅ Reviewing your insurance policy—explaining coverage, exclusions, and limitations
✅ Negotiating with the insurance company—fighting to get you the maximum payout
✅ Handling all paperwork and communication—saving you time and stress

By working with a public adjuster in PA, WV, or MD, like A H Neaman Company, you gain an expert who will ensure you aren’t underpaid or taken advantage of by the insurance company.

Public Adjuster vs. Insurance Company Adjuster: Key Differences

Feature	Public Adjuster	Insurance Company Adjuster
Who Do They Work For?	The policyholder (YOU)	The insurance company
Primary Goal	Maximize your settlement	Minimize the insurer’s payout
Damage Assessment	Comprehensive, in-depth	May be rushed or limited
Negotiation	Fights for the highest possible payout	Works within the insurer’s budget
Policy Interpretation	Advocates for full coverage	May interpret in favor of insurer
Payment	Earns a percentage of your claim (only if you get paid)	Paid by the insurance company

Why You Need a Public Adjuster in PA, WV, and MD

Filing an insurance claim after fire or water damage is complex. Many policyholders don’t realize that their initial settlement offer from the insurance company is often much lower than what they deserve. A public adjuster ensures that:

Your damages are fully documented—so nothing is overlooked
You receive fair compensation—covering all repair costs, lost property, and additional expenses
The insurance company does not take advantage of policy loopholes—that could lead to denied or reduced payouts

At A H Neaman Company, we have years of experience in fire damage, water damage, storm damage, and property loss claims. Our team works directly with homeowners and business owners to get them the best possible settlement.

Real-World Example: How a Public Adjuster Can Help

Let’s say your home in Pittsburgh, PA suffers significant fire damage. You contact your insurance company, and they send an adjuster who estimates your total damages at $50,000. However, after hiring A H Neaman Company, our public adjuster conducts an independent review and finds additional smoke damage, hidden structural issues, and loss of personal property that were not included in the insurer’s estimate.

With our advocacy, your claim is re-evaluated, and we negotiate a final settlement of $90,000—nearly double the initial offer. Without a public adjuster, you might have settled for much less than what you needed to fully recover.

When Should You Hire a Public Adjuster?

✔ If your insurance claim was underpaid or denied
✔ If you don’t have time to handle the claims process
✔ If you want to maximize your insurance settlement
✔ If you’re unsure about your policy coverage
✔ If your claim is complex and involves significant damage

If you’re facing any of these challenges, A H Neaman Company can help!

Call A H Neaman Company for Expert Public Adjusting Services

Don’t settle for less than what you deserve! If you’re dealing with fire damage, water damage, storm damage, or any major property loss in Pennsylvania, West Virginia, or Maryland, call A H Neaman Company today.

Let us fight for you and ensure that you get the full compensation you’re entitled to!

The Benefits of Hiring a Public Adjuster After a Natural Disaster

A H Neaman on January 24, 2025

When a natural disaster strikes, the aftermath can be devastating. From property damage to the emotional toll, it’s a time filled with uncertainty and stress. Filing an insurance claim may seem straightforward, but navigating the complexities of the process is often overwhelming. This is where hiring a public adjuster can make a world of difference, especially if you’re a homeowner or business owner in Pennsylvania, West Virginia, or Maryland.

At A H Neaman Company, we understand the challenges you face after a disaster and are here to help you recover and rebuild. Our team of experienced public adjusters works tirelessly to ensure you receive the compensation you deserve.

What Is a Public Adjuster?

A public adjuster is a licensed professional who represents policyholders during the insurance claims process. Unlike insurance company adjusters, who work for the insurer, public adjusters advocate solely for you, the policyholder.

From evaluating damages to negotiating settlements, public adjusters handle every aspect of your claim, ensuring the process is fair and that you maximize your payout.

Why You Need a Public Adjuster After a Natural Disaster

Natural disasters, such as floods, hurricanes, or severe storms, often result in extensive property damage. Filing a claim in these situations involves more than just filling out forms—it requires documenting losses, understanding your policy, and negotiating with the insurance company.

Here’s how a public adjuster can help:

1. Comprehensive Damage Assessment

Insurance company adjusters may overlook or undervalue certain damages, leaving you with insufficient funds to repair or replace your property. A public adjuster conducts a thorough inspection, documenting all visible and hidden damages to ensure nothing is missed.

2. Expertise in Policy Interpretation

Insurance policies are filled with complex terms and conditions that can be difficult to understand. A public adjuster has the expertise to interpret your policy and determine the full extent of your coverage.

3. Maximizing Your Settlement

Public adjusters are skilled negotiators who work to secure the highest possible settlement for your claim. They understand how insurers calculate payouts and can challenge unfair assessments or denials.

4. Saving Time and Reducing Stress

The claims process can be time-consuming and stressful, particularly after a disaster. A public adjuster handles the paperwork, communication, and negotiations on your behalf, giving you the time and peace of mind to focus on recovery.

5. Protecting Your Interests

Unlike insurance company adjusters, who aim to minimize payouts, public adjusters are dedicated to protecting your best interests. They ensure you’re treated fairly and that your claim is resolved promptly.

Natural Disaster Benefits Specific to PA, WV, and MD

Homeowners and business owners in Pennsylvania, West Virginia, and Maryland face unique challenges when dealing with natural disasters. Weather conditions in these states, such as heavy snowfall, flooding, and severe storms, can cause significant property damage.

As licensed public adjusters in PA, WV, and MD, A H Neaman Company understands the regional nuances that affect claims. From state-specific regulations to common causes of damage, our expertise ensures a smooth and successful claims process.

Steps a Public Adjuster Takes to Help You

Hiring a public adjuster means you’ll have a professional handling your claim every step of the way. Here’s what you can expect when you work with A H Neaman Company:

Initial Consultation
We’ll meet with you to discuss your situation, review your insurance policy, and explain how we can help.
Damage Assessment
Our team will conduct a detailed inspection of your property to identify all damages, including hidden issues that may not be immediately visible.
Claim Preparation
We’ll gather all necessary documentation, including photographs, repair estimates, and proof of loss forms, to build a strong claim.
Policy Analysis
We’ll carefully review your policy to ensure you understand your coverage and rights.
Negotiation with the Insurer
Our public adjusters will handle all communication with the insurance company, advocating for a fair and full settlement.
Settlement Review
Once the insurer provides a settlement offer, we’ll review it to ensure it accurately reflects your losses.
Follow-Up Support
If additional damages are discovered after the settlement, we’ll help you file supplemental claims.

Why Choose A H Neaman Company?

At A H Neaman Company, we’re more than just public adjusters—we’re your advocates during one of life’s most challenging times. Here’s why homeowners and business owners in PA, WV, and MD trust us:

Experience: We have a proven track record of successfully handling insurance claims for natural disasters.
Personalized Service: We treat every client with care and attention, tailoring our approach to your unique situation.
Maximized Settlements: Our goal is to secure the full compensation you deserve, ensuring you can rebuild and recover without financial strain.
Local Expertise: As public adjusters licensed in Pennsylvania, West Virginia, and Maryland, we understand the regional challenges and policies that impact your claim.

Take Control of Your Insurance Claim Today

Don’t let the aftermath of a natural disaster overwhelm you. Hiring a public adjuster can make all the difference in securing the compensation you need to recover and rebuild.

At A H Neaman Company, we’re committed to helping you navigate the claims process with confidence and peace of mind. From Pennsylvania to West Virginia and Maryland, we’re here to fight for your rights and ensure you get the payout you deserve.

Contact us today to schedule a consultation and take the first step toward a fair and successful insurance claim. Let us handle the complexities so you can focus on what matters most—moving forward.

Comparing Public Adjusters vs. Independent Adjusters

A H Neaman on January 10, 2025

When disaster strikes, whether it’s a fire, storm, or flood, homeowners rely on their insurance policies to help them recover. However, dealing with insurance claims can be a complicated and overwhelming process. In these challenging times, understanding the role of public adjusters is crucial to getting the compensation you deserve.

While there are different types of adjusters in the insurance claims process, two of the most common are public adjusters and independent adjusters. Many homeowners are unaware of the key differences between these two, which can impact the outcome of their claims. In this blog post, we’ll compare public adjusters and independent adjusters and help homeowners in Pennsylvania, West Virginia, and Maryland understand which type of adjuster is best suited to represent their interests.

What is a Public Adjuster?

A public adjuster is a licensed professional who works exclusively for the policyholder, not the insurance company. Their role is to represent the interests of the homeowner, ensuring that they receive the maximum compensation allowed under their policy. Public adjusters are typically hired by policyholders to assist with filing claims, assessing damage, negotiating with the insurance company, and, if necessary, appealing claim denials.

Public adjusters are paid a fee based on a percentage of the settlement amount, and their job is to advocate on behalf of the homeowner, ensuring that they get a fair payout. As a result, public adjusters work for you, the homeowner, and their loyalty lies solely with your best interests.

What is an Independent Adjuster?

An independent adjuster is a third-party contractor who is hired by the insurance company to handle claims. Independent adjusters are not employed by the insurer but work on a case-by-case basis for multiple insurance companies. Their primary role is to assess damage, investigate claims, and make recommendations regarding the payout based on the policyholder’s coverage.

Although independent adjusters may seem similar to public adjusters, there is a significant difference: independent adjusters are hired by the insurance company, which means their ultimate loyalty lies with the insurer. This can lead to conflicts of interest, as the adjuster may be incentivized to minimize the claim settlement in order to protect the insurer’s bottom line.

Key Differences Between Public Adjusters and Independent Adjusters

1. Who They Represent

The most significant difference between a public adjuster and an independent adjuster is who they represent.

Public adjusters represent the policyholder, ensuring that your interests are prioritized.
Independent adjusters are hired by the insurance company, meaning they are working for the insurer and their ultimate goal is to protect the company’s financial interests.

As a homeowner, hiring a public adjuster is often the best choice, as they are specifically trained to look out for your best interests and maximize your claim.

2. Compensation

Another key difference lies in how the adjusters are compensated.

Public adjusters typically work on a contingency basis, meaning they are paid a percentage of the final settlement. If you don’t win your claim or don’t get a satisfactory payout, they don’t get paid. This incentivizes public adjusters to work diligently to secure the maximum payout for you.
Independent adjusters, on the other hand, are paid directly by the insurance company, typically as a flat fee or on a per-case basis. As a result, their compensation is not tied to the outcome of the claim.

The contingency-based payment structure of a public adjuster helps ensure that they are motivated to secure a fair and substantial settlement.

3. Level of Expertise and Advocacy

Public adjusters are experts in the insurance claims process. They understand policy language, coverage limits, exclusions, and how to properly document and present a claim. They also have extensive experience negotiating with insurance companies to ensure that you receive fair compensation.

Public adjusters typically specialize in advocating for homeowners and businesses. They have the knowledge and expertise to handle even complex claims, such as those resulting from fire, water damage, or other natural disasters.
Independent adjusters, while skilled in assessing damage, work for the insurance company and are less likely to be as aggressive in negotiating for the homeowner. They are trained to evaluate claims, but their priorities align with the insurance company’s goal of minimizing payouts.

By hiring a public adjuster in Pennsylvania, West Virginia, or Maryland, you can rest assured that you have an experienced advocate on your side who will fight for the compensation you deserve.

4. Claims Process

The claims process is another area where the two types of adjusters differ.

Public adjusters manage the entire claims process for the homeowner, from filing the claim to negotiating with the insurance company and handling disputes. They ensure that all aspects of the claim are thoroughly investigated and documented, increasing the likelihood of a fair settlement.
Independent adjusters, while experienced in damage assessment, usually only handle the initial evaluation and reporting of the claim. They may not provide ongoing support or assistance throughout the entire process, leaving the homeowner to navigate the complexities of claim negotiations.

A public adjuster will guide you through every step of the process, ensuring you don’t miss any important details that could impact the value of your claim.

5. Potential for Conflict of Interest

One of the major concerns with independent adjusters is the potential for a conflict of interest. Since independent adjusters are paid by the insurance company, their incentive is to minimize the payout in order to reduce the insurer’s costs.

Public adjusters, on the other hand, are beholden only to the homeowner, ensuring that your best interests are the primary concern.

Why Homeowners Should Hire Public Adjusters

For homeowners in Pennsylvania, West Virginia, and Maryland, hiring a public adjuster can make a huge difference in the outcome of your insurance claim. Public adjusters are experienced professionals who are dedicated to fighting for the compensation you deserve. With their expertise in navigating the insurance claims process, public adjusters are more likely to secure a higher payout than if you handled the claim on your own or relied on an independent adjuster hired by the insurance company.

Conclusion

When it comes to managing insurance claims, especially after significant property damage, homeowners need an advocate who will prioritize their interests. Public adjusters are dedicated professionals who work for you, ensuring that your claim is handled properly and that you receive the maximum payout possible. Independent adjusters, while skilled, represent the insurance company and may not always act in your best interest.

At A H Neaman Company, we are licensed public adjusters in Pennsylvania, West Virginia, and Maryland. We specialize in helping homeowners navigate the insurance claims process and maximize their settlements. If you need help with an insurance claim, contact us today, and let us put our expertise to work for you!

Do You Need a Public Adjuster for Small Insurance Claims?

A H Neaman on January 1, 2025

When disaster strikes, whether it’s a burst pipe, minor storm damage, or a small fire, homeowners often wonder whether hiring a public adjuster is necessary for smaller insurance claims. Public adjusters are professionals who represent policyholders during the insurance claims process, ensuring fair treatment and maximum compensation. But does their expertise extend to smaller claims?

At A H Neaman Company, we’ve helped countless homeowners in Pennsylvania, West Virginia, and Marylandnavigate insurance claims of all sizes. Let’s explore whether hiring a public adjuster is right for your small claim.

What is a Small Insurance Claim?

Small insurance claims typically involve lower-value losses, such as:

Minor roof damage from a storm.
Water damage from a plumbing issue.
Hail damage to siding or gutters.
Fire damage limited to one area.

These claims are generally less complex than large-scale disasters, but they still require proper documentation and negotiation to ensure fair compensation.

Challenges of Filing a Small Insurance Claim

Even for small claims, policyholders face several challenges, including:

1. Underpayment by Insurers

Insurance companies often seek to minimize payouts, offering settlements that may not fully cover the cost of repairs.

2. Complex Policy Language

Understanding the terms, conditions, and exclusions in your policy can be difficult without expertise.

3. Inadequate Documentation

Homeowners may unintentionally miss important details when documenting damages, leading to reduced payouts.

4. Stress and Time Commitment

Managing an insurance claim can be time-consuming and stressful, especially if you’re also dealing with repairs.

The Role of a Public Adjuster in Small Claims

Public adjusters work exclusively for policyholders, not insurance companies. Here’s how they can add value to small claims:

1. Accurate Damage Assessment

Public adjusters conduct thorough inspections to document the full extent of the damage, ensuring nothing is overlooked.

2. Maximizing Compensation

By understanding the nuances of insurance policies, public adjusters can negotiate higher settlements than most homeowners can achieve on their own.

3. Saving Time and Reducing Stress

Public adjusters handle all aspects of the claim, including paperwork, communication, and negotiations, freeing you to focus on other priorities.

4. Preventing Denials

Small claims can be denied due to technicalities or insufficient documentation. A public adjuster ensures your claim is filed correctly and complies with policy requirements.

When to Hire a Public Adjuster for Small Claims

While not every small claim requires a public adjuster, there are situations where their expertise is invaluable:

1. Complex Policies or Coverage Questions

If your policy has unclear language or exclusions, a public adjuster can help clarify what’s covered.

2. Disputes Over Damage Value

If you believe the insurer’s estimate is too low, a public adjuster can provide a more accurate assessment and negotiate a fair settlement.

3. Denied or Delayed Claims

For denied claims, a public adjuster can review the denial and assist in appealing the decision. They can also expedite the process for delayed claims.

4. High Deductibles

If your deductible is high, the insurer may offer a settlement barely above the deductible amount. A public adjuster can advocate for a better payout.

5. Lack of Time or Expertise

If you’re unfamiliar with the claims process or simply don’t have the time to manage it, hiring a public adjuster can ensure a smoother experience.

Cost Considerations

Public adjusters typically work on a contingency basis, meaning they only get paid a percentage of the settlement amount if you receive compensation. For smaller claims, it’s important to weigh the cost of hiring a public adjuster against the potential increase in your payout.

At A H Neaman Company, we offer transparent and competitive rates, ensuring you receive the maximum value for our services.

Benefits of Hiring A H Neaman Company

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we’ve helped homeowners with claims of all sizes. Our team provides:

Comprehensive Policy Reviews: We identify all coverages applicable to your claim.
Detailed Damage Documentation: Using photos, videos, and expert assessments, we build a strong case for your claim.
Expert Negotiation: We advocate on your behalf, ensuring the insurance company offers a fair settlement.
Peace of Mind: With us handling your claim, you can rest assured that every detail is managed professionally.

Why Small Claims Still Matter

Some homeowners hesitate to file small claims, fearing rate increases or policy non-renewals. However, ignoring legitimate damage can lead to larger, costlier problems down the road. Filing a claim ensures your property is properly repaired and maintains its value.

By partnering with a public adjuster, you can feel confident that your claim is handled correctly, no matter the size.

Conclusion

Even small insurance claims can benefit from the expertise of a public adjuster. From accurate damage assessments to navigating policy complexities, public adjusters ensure you receive fair compensation without the stress of managing the process alone.

If you’re filing an insurance claim in Pennsylvania, West Virginia, or Maryland, let A H Neaman Company be your trusted partner. Whether your claim is large or small, we’re here to fight for the settlement you deserve. Contact us today to learn how we can help!

Public Adjuster: Top Questions to Ask Before Hiring

A H Neaman on December 20, 2024

When disaster strikes and you’re left to deal with the aftermath, navigating the insurance claims process can feel overwhelming. That’s where a public adjuster comes in—a licensed professional who works on your behalf to ensure you receive the compensation you’re entitled to from your insurance company.

Hiring the right public adjuster can make a significant difference in the outcome of your claim, but how do you know who to trust? Asking the right questions before hiring a public adjuster is crucial. If you’re a homeowner or business owner in Pennsylvania, West Virginia, or Maryland, this guide will help you identify the best public adjuster for your needs.

Public Adjuster

1. Are You A Licensed Public Adjuster in My State?

One of the first and most important questions to ask a public adjuster is whether they are licensed in your state. Each state has its own licensing requirements for public adjusters, and working with someone who isn’t licensed can jeopardize your claim.

In Pennsylvania, West Virginia, and Maryland, public adjusters must meet specific licensing criteria to operate legally. At A H Neaman Company, we are fully licensed in all three states, ensuring you receive professional and compliant representation.

2. How Much Experience Do You Have with My Type of Claim?

Not all insurance claims are the same. Water damage, fire damage, storm damage, and business interruption claims each require unique expertise. Ask the public adjuster about their experience handling claims similar to yours.

An experienced adjuster will understand the nuances of your specific situation, such as identifying hidden damages or negotiating with insurers for fair settlements. For example, A H Neaman Company has extensive experience handling residential and commercial claims across Pennsylvania, West Virginia, and Maryland, providing tailored solutions for each client.

3. What Is Your Fee Structure?

Public adjusters typically work on a contingency fee basis, meaning they take a percentage of the settlement they secure for you. It’s important to ask about the fee structure upfront to avoid surprises later.

Ask:

What percentage do you charge?
Are there additional fees I should know about?
When is payment due?

Reputable public adjusters are transparent about their fees. At A H Neaman Company, we clearly outline our fee structure so you can make an informed decision.

4. Can You Provide References or Testimonials?

A trustworthy public adjuster will have a track record of satisfied clients. Ask for references or testimonials from homeowners or business owners who have worked with them in the past.

Look for:

Success stories with similar claims.
Positive feedback about communication and professionalism.
Evidence of maximizing claim payouts.

Checking online reviews and asking for referrals from friends or family can also provide valuable insight.

5. What Is Your Process for Handling Claims?

Understanding how a public adjuster approaches the claims process can give you confidence in their abilities. Ask them to outline their process step by step, including how they:

Assess and document damage.
Prepare and submit the claim.
Negotiate with the insurance company.

A professional public adjuster will have a clear and organized approach to managing your claim. At A H Neaman Company, we pride ourselves on our thorough and transparent process, keeping clients informed every step of the way.

6. How Long Will the Process Take?

Insurance claims can be time-sensitive, especially if you’re dealing with significant property damage or business interruptions. Ask the public adjuster for an estimated timeline for your claim.

While some delays are beyond their control, an experienced adjuster should be able to provide a general timeframe and explain the factors that might affect the process.

7. How Do You Communicate with Clients?

Communication is key when working with a public adjuster. Ask how often they will update you on the progress of your claim and what methods they use for communication (e.g., phone, email, in-person meetings).

A reliable adjuster will prioritize keeping you informed and answering your questions promptly. At A H Neaman Company, we maintain open lines of communication to ensure our clients feel supported throughout the claims process.

8. What Sets You Apart from Other Public Adjusters?

This question gives the adjuster an opportunity to showcase their unique strengths and experience. Whether it’s their track record of successful claims, industry expertise, or dedication to client satisfaction, their answer can help you determine if they’re the right fit.

At A H Neaman Company, our personalized approach, commitment to maximizing settlements, and deep knowledge of insurance laws in Pennsylvania, West Virginia, and Maryland set us apart.

9. Do You Have Experience Working with My Insurance Company?

Every insurance company has its own processes and policies, and having an adjuster who is familiar with your insurer can be a significant advantage.

Ask if the public adjuster has dealt with your insurance company before and whether they’ve successfully negotiated settlements with them.

10. Are You Available for a Free Consultation?

Many public adjusters offer free consultations to assess your situation and determine if they can help. Take advantage of this opportunity to ask additional questions and gauge their professionalism.

A free consultation also allows you to discuss the specifics of your claim and get a sense of their approach before committing.

Conclusion

Hiring a public adjuster is a critical step in ensuring you receive the compensation you deserve for your insurance claim. By asking the right questions, you can find a trusted professional who will advocate for your best interests.

At A H Neaman Company, we are proud to serve homeowners and business owners in Pennsylvania, West Virginia, and Maryland. Our experienced team is dedicated to helping you navigate the claims process and securing the maximum settlement for your damages.

If you’re facing an insurance claim, don’t go it alone. Contact A H Neaman Company today to schedule a free consultation. We’ll fight for your rights and help you get the money you deserve.

Public Adjusters: Navigating Complex Commercial Insurance Claims

A H Neaman on December 2, 2024

Managing a commercial insurance claim can be daunting. From understanding intricate policy details to ensuring you document every aspect of your claim, the process is often overwhelming—especially when your business’s financial health is on the line. This is where a public adjusters can be your greatest ally.

If you’re a business owner in Pittsburgh or anywhere in Pennsylvania, Maryland, or West Virginia, partnering with a public adjuster can help you navigate complex claims, maximize your settlement, and get back to business faster. At A H Neaman Company, we specialize in providing professional and reliable support to help business owners like you secure the compensation you deserve.

The Challenges of Commercial Insurance Claims

Commercial insurance claims are often more complex than residential claims due to the larger scale of losses, multiple policy components, and the higher stakes involved. Below are common challenges business owners face when filing a claim:

Interpreting Policy Language
Commercial insurance policies are filled with technical jargon and exclusions that can make it difficult to determine what is covered. Misinterpreting these details can lead to denied claims or lower payouts.
Documenting Losses
Proper documentation is essential for a successful claim. For businesses, this includes inventory losses, equipment damage, business interruption costs, and more.
Business Interruption Coverage
Calculating lost income accurately while ensuring it aligns with your policy’s terms is a complex process that can significantly impact your settlement.
Disputes Over Coverage
Insurers may argue that certain damages are excluded from your policy or undervalue your claim, leaving you without the funds needed to rebuild or repair.

What Is a Public Adjuster?

A public adjuster is a licensed professional who works exclusively for policyholders—not insurance companies. Their role is to advocate for you during the claims process, ensuring that your losses are thoroughly documented and your compensation is fair.

Unlike the insurance company’s adjuster, whose primary goal is to minimize payouts, a public adjuster is committed to maximizing your claim.

How Public Adjusters Help with Commercial Insurance Claims

1. Comprehensive Policy Review

Public adjusters have the expertise to analyze your commercial insurance policy in detail. They can identify all applicable coverages, ensuring you don’t overlook potential benefits.

2. Accurate Loss Assessment

For commercial claims, damages can extend beyond visible property damage. A public adjuster will:

Inspect your property to document structural and equipment damage.
Calculate inventory losses.
Analyze financial records to estimate lost income due to business interruption.

3. Professional Documentation

A well-documented claim is key to a successful settlement. Public adjusters gather:

Detailed photographs and videos of damages.
Repair estimates and contractor evaluations.
Financial evidence to support business interruption claims.

4. Negotiation with Insurers

Public adjusters handle communication and negotiations with your insurance company. Their experience allows them to counter lowball offers and push for a settlement that accurately reflects your losses.

5. Advocacy and Support

From the moment you file your claim until you receive your settlement, a public adjuster is by your side, providing guidance and ensuring your rights are protected.

When to Call a Public Adjuster

1. Your Claim Is Complex

If your business has suffered significant damage or losses, a public adjuster can help ensure no detail is overlooked.

2. You’re Overwhelmed by the Process

Managing a business is already demanding. Add a complex insurance claim to the mix, and it can feel impossible. A public adjuster takes the burden off your shoulders.

3. Your Insurer Denies or Underpays Your Claim

Insurance companies may dispute aspects of your claim or offer a payout that doesn’t cover your losses. A public adjuster can challenge these decisions and advocate for a fair resolution.

The Benefits of Hiring a Public Adjuster

1. Expertise in Commercial Claims

Public adjusters specialize in handling the unique challenges of commercial insurance claims, from deciphering policy language to calculating business interruption losses.

2. Faster Resolution

By managing the claims process efficiently, public adjusters can help you get your settlement faster, minimizing the downtime for your business.

3. Higher Settlements

Studies have shown that policyholders who hire public adjusters often receive significantly higher payouts than those who handle claims independently.

Why Choose A H Neaman Company?

At A H Neaman Company, we understand the stress and uncertainty that comes with filing a commercial insurance claim. We’re licensed in Pennsylvania, Maryland, or West Virginia, and we have a proven track record of helping business owners maximize their claims.

Our services include:

Expert policy analysis to uncover all available coverages.
Thorough documentation of damages and losses.
Skilled negotiation with insurance companies to secure fair settlements.

We’re not just public adjusters; we’re your partners in recovery, dedicated to helping your business get back on its feet.

Conclusion

Navigating a commercial insurance claim doesn’t have to be a stressful and overwhelming experience. With the support of a public adjuster in Pittsburgh or elsewhere in Pennsylvania, Maryland, or West Virginia, you can ensure your claim is handled professionally and that you receive the compensation you’re entitled to.

At A H Neaman Company, we’re here to fight for you. Contact us today to schedule a consultation and let us help you secure the settlement your business deserves.

The Role of Public Adjusters in Commercial Fire Insurance Claims

A H Neaman on December 2, 2024

When a fire damages your commercial property, the aftermath can be devastating—not only physically but financially and emotionally as well. As a business owner, you rely on your insurance policy to help you recover and rebuild. However, the process of filing and negotiating a fire insurance claim can be complex, time-consuming, and frustrating. This is where a public adjuster comes in.

A public adjuster is your advocate in the insurance claims process, working to ensure that you receive the maximum compensation for your losses. In this blog post, we’ll explore the critical role public adjusters play in commercial fire insurance claims, how they can simplify the process, and why hiring a public adjuster like A H Neaman Company is a smart decision for business owners in Pittsburgh, Pennsylvania, and the surrounding states of Maryland, and West Virginia.

What Is a Public Adjuster?

A public adjuster is a licensed insurance professional who works exclusively for policyholders—not insurance companies. Their primary goal is to represent your interests during the claims process, ensuring your losses are accurately documented and fairly compensated.

Unlike insurance company adjusters, who work to protect the insurer’s bottom line, public adjusters act as your advocate, helping you navigate the complexities of commercial fire insurance claims.

How Public Adjusters Assist with Commercial Fire Insurance Claims

1. Thorough Damage Assessment

After a fire, assessing the full extent of the damage to your commercial property is critical. Fires often cause visible destruction, such as structural damage, as well as hidden issues like smoke and soot contamination, water damage from firefighting efforts, and potential mold growth.

A public adjuster has the expertise to identify and document all forms of damage, ensuring nothing is overlooked. This comprehensive assessment is crucial for submitting a complete and accurate claim.

2. Understanding Complex Policies

Commercial insurance policies are often more complex than standard homeowner’s policies. They may include coverage for:

Structural damage.
Business interruption losses.
Inventory and equipment replacement.
Temporary relocation expenses.

A public adjuster reviews your policy in detail, identifying applicable coverages and ensuring you take full advantage of your benefits. They’ll also explain any exclusions or limitations, so you know exactly what to expect from your claim.

3. Detailed Documentation

Proper documentation is the foundation of a successful insurance claim. Public adjusters handle this process for you, creating detailed reports that include:

Photographs and videos of the damage.
An inventory of destroyed or damaged property.
Cost estimates for repairs, restoration, and replacement.

Accurate and thorough documentation strengthens your claim and reduces the likelihood of disputes with your insurer.

4. Claim Preparation and Filing

Filing an insurance claim requires attention to detail and adherence to strict timelines. A public adjuster ensures your claim is prepared correctly and filed on time, preventing delays and errors that could jeopardize your settlement.

5. Negotiation with the Insurance Company

Insurance companies often aim to minimize payouts, and their adjusters are skilled negotiators. A public adjuster levels the playing field by advocating for your rights and using their knowledge of insurance policies and industry standards to negotiate a fair settlement.

6. Support with Business Interruption Claims

For many businesses, the financial impact of a fire extends beyond physical damage. Business interruption claims are often a critical component of a commercial fire insurance claim, covering lost revenue and additional expenses incurred while your operations are disrupted.

Public adjusters help calculate and document these losses, ensuring your business interruption claim is accurately valued and properly filed.

Why You Should Hire a Public Adjuster

1. Maximizing Your Settlement

Studies show that policyholders who hire public adjusters often receive significantly higher settlements than those who handle claims on their own. Public adjusters understand how to present a strong case and advocate for every dollar you’re entitled to.

2. Reducing Stress and Saving Time

Dealing with the aftermath of a fire is stressful enough without the added burden of managing an insurance claim. A public adjuster handles the entire process, allowing you to focus on your business and recovery.

3. Expert Guidance Through a Complex Process

From policy interpretation to damage assessment and negotiation, a public adjuster brings valuable expertise to the table. Their guidance ensures you avoid common mistakes and pitfalls that could impact your claim.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in assisting businesses with complex insurance claims, including those resulting from fire damage. Our team of experienced public adjusters is dedicated to helping business owners in Pittsburgh, Pennsylvania, and the surrounding states of Maryland, and West Virginia secure the compensation they deserve.

What Sets Us Apart?

Comprehensive Expertise: From structural repairs to business interruption losses, we handle every aspect of your claim.
Personalized Service: We tailor our approach to meet your unique needs and goals.
Proven Results: Our track record speaks for itself—our clients consistently receive fair and equitable settlements.

Common Challenges in Commercial Fire Insurance Claims

1. Disputed Valuations

Insurance companies may undervalue your damages or dispute the cost of repairs. Public adjusters provide evidence-based valuations to counter these disputes.

2. Delays in Settlement

Insurance companies sometimes delay the claims process, leaving you in limbo. Public adjusters ensure your claim progresses efficiently and advocate for timely resolution.

3. Denied Claims

If your claim is denied, a public adjuster can help you understand why and assist in filing an appeal.

Conclusion

Dealing with a commercial fire insurance claim can be overwhelming, but hiring a public adjuster can make all the difference. From damage assessment and documentation to negotiation and settlement, public adjusters provide invaluable support during a challenging time.

At A H Neaman Company, we’re committed to helping business owners in Pittsburgh, PA, and the surrounding states of Pennsylvania, Maryland, and West Virginia navigate the insurance claims process with confidence.

If your business has been impacted by a fire, don’t go through the claims process alone. Contact A H Neaman Company today and let us help you fight your claim and secure the compensation you deserve.

A Public Adjuster in Your Homeowner’s Insurance Claim Process

A H Neaman on December 2, 2024

Filing a homeowner’s insurance claim can be a daunting process, especially when you’re already dealing with the stress of property damage. Whether it’s storm damage, a burst pipe, or a house fire, navigating insurance policies and negotiating with your insurance company can feel overwhelming. This is where a public adjuster can make all the difference.

A public adjuster is a licensed professional who works exclusively for you—not the insurance company. The goal is to help you navigate the claims process, ensure your damages are thoroughly documented, and secure the maximum settlement you deserve. In this blog post, we’ll explore the critical role a public adjuster plays in your homeowner’s insurance claim process and how hiring one, like the experts at A H Neaman Company, can simplify your journey.

What Is a Public Adjuster?

A public adjuster is an insurance claims professional who advocates for policyholders during the claims process. Unlike insurance company adjusters, who represent the insurer’s interests, public adjusters work solely for the homeowner.

Public adjusters are licensed in their states and have extensive knowledge of insurance policies, claim documentation, and damage assessment. In states like Pennsylvania, Maryland, and West Virginia, public adjusters are an invaluable resource for homeowners seeking fair compensation.

When Should You Hire a Public Adjuster?

You should consider hiring a public adjuster if:

Your property has sustained significant damage.
Your insurance company denies or undervalues your claim.
The claims process feels overwhelming or confusing.
You want a professional to handle the documentation, negotiation, and communication with the insurer.

The Role of a Public Adjuster in the Claims Process

1. Damage Assessment

Public adjusters begin by conducting a thorough inspection of your property to assess the extent of the damage. This includes visible damage, such as roof or structural issues, and hidden damage, like mold growth or compromised electrical systems.

By using advanced tools and expertise, public adjusters ensure every aspect of the damage is accounted for in your claim.

2. Policy Review

Understanding the fine print in your homeowner’s insurance policy can be challenging. Public adjusters review your policy to determine:

What damages are covered.
Applicable exclusions.
Coverage limits and deductibles.

This step ensures you fully understand your policy and avoid overlooking critical details that could impact your claim.

3. Accurate Documentation

One of the most important roles of a public adjuster is to create detailed documentation for your claim. This includes:

High-quality photographs and videos of the damage.
A comprehensive inventory of damaged personal belongings.
Detailed reports outlining repair and replacement costs.

Accurate and thorough documentation strengthens your claim and minimizes the risk of disputes with your insurer.

4. Claim Preparation and Filing

Public adjusters prepare and file your insurance claim on your behalf. They ensure all required forms, evidence, and documentation are submitted correctly and promptly.

5. Negotiation with the Insurance Company

Insurance companies often aim to minimize payouts, but a public adjuster is your advocate in the negotiation process. They use their knowledge and evidence to fight for a fair settlement that fully covers your losses.

6. Post-Claim Support

Even after your claim is settled, a public adjuster can provide guidance on using your settlement to repair and rebuild your property.

Benefits of Hiring a Public Adjuster

1. Maximizing Your Settlement

Studies have shown that homeowners who work with public adjusters often receive significantly higher settlements than those who handle claims on their own. Public adjusters know how to present a strong case and ensure no damages are overlooked.

2. Saving Time and Reducing Stress

Dealing with an insurance claim while managing the aftermath of property damage is exhausting. A public adjuster handles the process from start to finish, giving you peace of mind.

3. Expert Guidance

Public adjusters bring expertise in policy interpretation, damage assessment, and negotiation. Their guidance ensures you avoid common pitfalls that can jeopardize your claim.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners in Pittsburgh, PA, and the surrounding states of Pennsylvania, Maryland, and West Virginia navigate the insurance claims process. Our team of licensed public adjusters is dedicated to fighting for your rights and maximizing your settlement.

What Sets Us Apart?

Comprehensive Assessments: We leave no stone unturned in documenting your damage.
Policy Expertise: Our team ensures you understand your coverage and options.
Relentless Advocacy: We negotiate aggressively with your insurer to secure the compensation you deserve.

Common Homeowner Claims We Handle

At A H Neaman Company, we assist homeowners with a wide range of insurance claims, including:

Storm Damage: Roof leaks, fallen trees, and wind damage.
Water Damage: Burst pipes, sewer backups, and flooding.
Fire Damage: Smoke damage and structural restoration.
Hail Damage: Roof and exterior repairs.

If your claim has been delayed, denied, or undervalued, we’re here to help you get the money you deserve.

Conclusion

The homeowner’s insurance claim process can be complex and stressful, but hiring a public adjuster ensures you have a knowledgeable advocate on your side. From assessing damage to negotiating a fair settlement, a public adjuster can make all the difference in securing the compensation you need to repair and rebuild.

At A H Neaman Company, we’re proud to serve homeowners in Pittsburgh, PA, and the surrounding states of Pennsylvania, Maryland, and West Virginia, Our goal is to fight for your claim and help you get the settlement you deserve.

Therefore, if you’re dealing with property damage, don’t navigate the insurance claim process alone. Contact A H Neaman Company today and let us advocate for you every step of the way.

What Does a Public Insurance Adjuster Do for Homeowners?

A H Neaman on November 22, 2024

Dealing with property damage is stressful. Whether it’s storm damage, fire destruction, or water leaks, navigating the insurance claim process can feel overwhelming. This is where a public insurance adjuster steps in to help. If you’re a homeowner in Pittsburgh, Pennsylvania, Maryland, or West Virginia, hiring a public adjuster can mean the difference between a fair settlement and an underwhelming offer.

In this blog post, we’ll explore what a public insurance adjuster does, how they work for homeowners, and why hiring one is crucial for maximizing your insurance claim.

What Is a Public Insurance Adjuster?

A public insurance adjuster is a licensed professional who represents homeowners in the insurance claims process. Unlike the adjuster sent by your insurance company, a public adjuster works exclusively for you—the policyholder. They handle all aspects of your claim, from assessing damage to negotiating a fair settlement, ensuring you receive the compensation you deserve.

Public insurance adjusters specialize in various types of property damage claims, including:

Fire Damage
Storm and Hail Damage
Water and Flood Damage
Vandalism and Theft
Roof Leaks and Mold Damage

In Pittsburgh and surrounding areas, homeowners often face challenges with storm-related damage or water issues. A local public adjuster in Pittsburgh is familiar with the region’s unique risks and can offer tailored assistance.

The Role of a Public Adjuster for Homeowners

When your home is damaged, the insurance claim process can be time-consuming and confusing. Insurance companies are businesses, and their goal is often to minimize payouts. Here’s how a public adjuster helps homeowners like you:

1. Assessing the Damage

Public adjusters conduct a thorough inspection of your property to identify all damages—both visible and hidden. For example, after a storm, they might uncover roof leaks or structural issues that are easy to miss.

2. Reviewing Your Insurance Policy

Your insurance policy can be complex, with specific terms and limitations. A public adjuster reviews your policy to determine what is covered and ensures you’re making the most of your coverage.

3. Preparing the Claim

A public adjuster handles all the paperwork, from documenting damages with photos to preparing detailed reports for your insurance company. This professional approach reduces the chances of errors or claim denial.

4. Negotiating with the Insurance Company

Insurance companies often undervalue claims. Public adjusters negotiate on your behalf to secure a settlement that reflects the true cost of repairs and replacements.

5. Advocating for a Fair Outcome

If the insurance company disputes your claim or offers a low settlement, the public adjuster advocates for your rights, ensuring you receive what you’re owed under your policy.

Why Should Homeowners Hire a Public Adjuster?

There are several reasons why hiring a public insurance adjuster is a smart move:

Expertise: Public adjusters understand the intricacies of insurance policies and claim processes.
Time Savings: They handle the tedious aspects of the claim, freeing up your time.
Higher Settlements: Studies show that policyholders who use a public adjuster often receive significantly higher settlements than those who don’t.
Peace of Mind: Knowing a professional is advocating for you reduces stress during a challenging time.

For homeowners in Pennsylvania, Maryland, and West Virginia, local public adjusters are familiar with state-specific insurance regulations, which can help avoid delays and disputes.

Why Choose a Public Adjuster in Pittsburgh?

If you’re a homeowner in Pittsburgh, you already know how unpredictable the weather can be. From heavy snowstorms to intense summer thunderstorms, property damage is a common occurrence. Hiring a public adjuster in Pittsburghensures you have someone with local expertise handling your claim.

What Types of Claims Can Public Adjusters Handle?

Public adjusters are equipped to handle a variety of claims, including:

Fire Damage: After a fire, smoke and soot damage can add to repair costs. A public adjuster ensures all damages are accounted for.
Water Damage: Burst pipes, roof leaks, and flooding often require extensive repairs. A public adjuster makes sure your claim covers these costs.
Storm Damage: Hail, wind, and snow can wreak havoc on your home. Public adjusters document all damage for maximum compensation.
Theft and Vandalism: Protecting your home’s value after a break-in requires detailed claim preparation.

Licensed in Pennsylvania, Maryland, and West Virginia

A.H. Neaman & Co. is proud to be licensed in Pennsylvania, Maryland, and West Virginia, offering expert public adjusting services to homeowners across these states. Each region has its unique challenges, from storm damage in Pennsylvania to flooding risks in Tennessee. Our team understands the local landscape and ensures your claim is handled efficiently.

Why Homeowners Trust A.H. Neaman Company

At A.H. Neaman Company, we specialize in fighting for homeowners to get the money they deserve. Our team has years of experience handling residential insurance claims and helping clients navigate the complicated process with ease.

When you work with us, you can expect:

Personalized attention to your claim.
A thorough damage assessment and accurate claim preparation.
Aggressive negotiation to maximize your settlement.

We take pride in helping homeowners in Pittsburgh, Pennsylvania, Maryland, and West Virginia recover after property damage.

Get the Settlement You Deserve

If you’re a homeowner dealing with property damage, don’t face the insurance company alone. A.H. Neaman Company is here to advocate for you every step of the way. Contact us today to learn how our team can help you fight your claim and secure the compensation you deserve.

Let us turn a stressful insurance process into a successful resolution. Reach out now to schedule your consultation!